Bloomfield Hills, MI · Cert 27602
FDIC
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.12% | -0.28% | -1.73% | -0.50% | -18 bps | |
| Return on Equity | -2.23% | -0.82% | -1.93% | -12.61% | -4.39% | -216 bps | |
| Net Interest Margin | 2.76% | 2.60% | 2.68% | 2.35% | 2.36% | -41 bps | |
| Efficiency Ratio | 53.70% | 53.57% | 48.98% | 51.88% | 54.49% | +79 bps | |
| Non-Interest Burden | 1.35% | 1.26% | 1.19% | 1.12% | 1.19% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 44.59% | 31.49% | 44.04% | 58.74% | 37.48% | -711 bps | |
| Loan Growth (YoY) | 24.70% | 37.12% | 43.12% | 29.95% | 23.47% | -123 bps | |
| Deposit Growth (YoY) | 49.69% | 20.66% | 27.01% | 30.23% | 4.23% | -4,546 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.66% | 0.97% | 0.65% | 3.70% | 1.13% | +47 bps | |
| Allowance / Loans | 1.51% | 1.35% | 2.01% | 1.75% | 2.10% | +59 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.57% | 11.51% | 11.43% | 11.02% | 11.21% | -35 bps | |
| Equity / Assets | 13.21% | 14.49% | 13.89% | 11.73% | 11.19% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.44% | 124.19% | 127.74% | 124.25% | 113.06% | +1,762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.12% | 0.08% | 0.84% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |